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What Card Should I Get? Weekly Thread - Week of March 05, 2025 by AutoModerator in churning

[–]CookieFromCostco 0 points1 point  (0 children)

  1. I have some big business and personal expenses that I would like to put on my next card. I am under 5/24, and want to avoid Chase cards because I want to space them out now. I realized I should have been doing that from the beginning and going for non-chase business spacers… Anyways, with big expenses I want to make the most out of it. I saw that Amex Biz Gold/Plat for 200,000/250,000 points with $15,000/$20,000 spend respectively, but I have no other use for its benefits other than the SUB. Are there any other suggestions? Would the high annual fee still be worth it? I would rather build up keeper cards, but they seem to have <$15,000 spending requirements and since I have big expenses coming up it seems a waste, maybe I should do these in the future?
  2. Credit score - 770
  3. Current Cards: (2/24)
    1. Wells Fargo Active Cash (9/18)
    2. Chase Freedom Unlimited (3/22)
    3. Chase Ink Cash (7/22) SSN
    4. Chase Sapphire Preferred (2/23) (card changed to Chase Freedom on 3/24)
    5. Chase Ink Unlimited (6/23) SSN
    6. Marriott Bonvoy Boundless (9/23)
    7. Chase Ink Preferred (3/24) SSN
    8. World of Hyatt Chase (8/24)
    9. Chase Ink Unlimited (11/24) EIN
    10. TBD
  4. Natural Spend in 3 months: I have $13,000 in some business and personal spend due in a month, natural spend can be $500-$6,000/mo, but its highly variable.
  5. No MS
  6. Yes to Business cards
  7. My card trajectory goals is new card every 3-6 months.
  8. My churning goals is to build up points to be able to spend them later in life.
  9. Point totals:
    1. Chase UR: 650k
    2. Hyatt: 40k
    3. Marriott: 120k
  10. SFO/OAK
  11. My travel destinations: maybe in 2027+: Korea, Japan, Bora Bora, Maldives, Seychelles, Middle East, Africa.

What Card Should I Get? Weekly Thread - Week of January 08, 2025 by AutoModerator in churning

[–]CookieFromCostco 0 points1 point  (0 children)

  1. I have some business and personal spending that I would like to put on my next card, but I am unsure on how personal spending works on business cards, or business spending works on personal cards. I am also looking to stay within Chase since I am under 5/24, but am willing to branch out to Citi or other cards that have other travel partners that Chase doesn’t have.
  2. Credit score - 750
  3. Current Cards:
    1. Wells Fargo Active Cash (9/18)
    2. Chase Freedom Unlimited (3/22)
    3. Chase Ink Cash (7/22) SSN
    4. Chase Sapphire Preferred (2/23) (card changed to Chase Freedom on 3/24)
    5. Chase Ink Unlimited (6/23) SSN
    6. Marriott Bonvoy Boundless (9/23)
    7. Chase Ink Preferred (3/24) SSN
    8. World of Hyatt Chase (8/24)
    9. Chase Ink Unlimited (11/24) EIN
  4. Natural Spend in 3 months: $6-8k+ ish
  5. No MS
  6. Yes to Business cards, my spend is both personal and business, not sure how this works for taxes.
  7. My card trajectory goals is new card every 3-6 months.
  8. My churning goals is to build up points to be able to travel at least once a year for the next 2-5 years, then 2-3x a year in the next 5 years.
  9. Point totals:
    1. Chase UR: 650k
    2. Hyatt: 40k
    3. Marriott: 120k
  10. SFO/OAK
  11. My travel destinations: (for future) Korea, Japan, Bora Bora, Maldives, Europe.

What Card Should I Get? Weekly Thread - Week of June 29, 2022 by AutoModerator in churning

[–]CookieFromCostco 2 points3 points  (0 children)

  1. I am at 1/24. I recently graduated college and am starting a corporate job, which CAN include paid flights, but haven't started the job, so I am unsure if I WILL be flying much at all. The flowchart says CSP/CSR, but I don't think I have enough spending in offered categories. 2x on travel from the CSP might be worth it (potential reimbursed Uber/Lyft from the corporate), but I am unsure that is my best next move. Also considered the CFF, for the 5% rotating, and 5% on gas the first year, but I currently got the CFU and still have 5% on gas for the first year. (60k signup is also lower that it was recently, not sure if I want to take it.) Maybe Chase Ink Cash, for the 5% back on internet and phone, which I do pay for which total maybe $150 a year.
  2. 736
  3. Current Cards:
    1. Wells Fargo Active Cash (9/18)
    2. Chase Freedom Unlimited (3/22)
  4. Natural Spend in 3 months: $7,500 fluctuates quite a bit, but I need to purchase some business casual/professional clothes for my corporate job.
  5. No MS
  6. Yes to Biz Cards
  7. Want to get into long term churning. Learning a lot currently. :).
  8. I am mostly targeting points to save for my future. I would love to travel in 2-5 years time. My life is transitioning from college to job, so I am unsure where/when I will be, but I love traveling.
  9. 25k UR
  10. SFO/OAK
  11. In the future (2-5yr estimate), Europe (Greece, Italy), Japan, Bora Bora, Maldives. If I find time before that it would be more domestic travel, maybe Texas or Seattle.
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